Anyway, PayPal works through either a bank account or a credit card. If you take or send a payment through the CC, it bills you or adds a balance. If you use a bank account (which I use and recommend) it adds or subtracts from your current balance. It is a very safe way of paying online, just make sure to watch for scam emails (I get one a month roughly).

"Dear PayPal user: It is time of the year for your PayPal account confirmation. Please click on the link below to sign in and confir,"

So what ppl do is sign in, and voila, they gave their account info away to someone. The emails look very proffessional, almost an exact replica of a PayPal email. So how do you tell the difference?

If you get an email from PayPal, they will say "Dear [insert real name here]". They will never say "Dear User", they will use your name. So if you remember that, you're golden.

And as for how much you have earned, you just log into your account (at paypal.com) and you get a complete balance and history of all incoming and outgoing payments. A pretty good system; I have used it monthly, if not daily, for the last 5 years without incident.

and if I understood well, to request money, I have to send an email with the amount that I'm asking for via paypal, and then the person confirms that email, therefore sending me the money in, is that it?
Anyway, thank you very much for the warning! that's really a good thing to know about!

Not necessarily, you just need a credit card for back-up payment. (Let's say you pay for something and there isn't enough money in your account, it moves to the CC.) In short: A CC is needed for validation and as a back up source, but as long as you remain conscious of your funds, you won't have any problems.

please also remember that in scam emails they ask you to use a link in the e-mail to log in, never click on this link. Real Paypal emails never contain links and ask you to sign on in their main page [link].

Paypal itself has its own way of requesting money from your paypal account itself, you can then withdraw that to your chosen bank accout.. the links are titled accordingly (request funds, withdraw etc)....